Guiding You Through the U.S. Mortgage Process

How we help:

• Tell us about your budget and where you’re looking to buy, and we’ll help you better understand how much mortgage you can afford.

How we help:

• We can connect you with a realtor local to your desired market – plus, you can get a cash reward^{38Legal Disclaimer (opens in popup)} up to $9,500 when you enroll in the RBC U.S. HomePlus^TM Rewards program

How we help:

• We can coordinate a pre-approval for you within 1 to 2 business days when you're actively shopping for your new home

Get Pre-Approved Now

  Talk To A U.S. Mortgage Expert

How we help:

• We'll help you fill out the application and let you know if anything is missing. Just let us know when and where you're closing
• If you're ready to get started, you can start a new application online now
• If you've already filled out your pre-approval, give us a call at 1-866-283-5928 and we'll finish your application with you

Closing a U.S. mortgage takes 40-45 days, regardless of lender, so be sure to plan accordingly:

How we help:

• We'll review your documents (see our documentation checklist) and give you a conditional approval letter that will be valid for 60 days
• We'll arrange for a licensed home appraiser to book an appraisal with you
• We'll submit the request for title work and flood determination
• We'll make sure we have everything we need to make a decision about the mortgage

How we help:

• We'll help you through the final closing and make sure all parties have everything in place
• We'll walk you through the final things you need to provide — such as your ID and homeowner's insurance policy
• We'll provide customized and ongoing service, helping you with any of your home financing needs
• While closing costs on U.S. mortgages vary, they're usually at least 2.5% of the purchase price of your home
• We can help save you thousands in closing costs⁴² because we don't charge bank fees on U.S. mortgages